Patent ID: 8271305

Claim:
A method comprising: at least one processor establishing a plurality of participants by assigning each participant to one of a plurality of accounts, the plurality of participants comprising: a first participant representing a first customer for a first account and a second participant representing a second customer for the first account; at least one processor storing data related to the plurality of participants, the first account and a second account in a database comprising a data structure encoded on a computer-readable memory, said data structure comprising a first tier, a second tier and a third tier, wherein the first tier comprises an account entity class, the second tier comprises a customer entity class, and the third tier comprises a product entity class, wherein the customer entity class includes a plurality of customer entities that store data related to the plurality of participants, and wherein the account entity class includes a plurality of account entities that store data related to the first account and the second account, wherein the product entity class includes a plurality of product entities that store data related to products available for offer to the plurality of participants; at least one processor performing underwriting pattern analysis on data at each of the first tier, the second tier and the third tier of the data structure; at least one processor providing an account level underwriting decision at an account level based upon data related to individual participants of the plurality of participants assigned to the first account and the underwriting pattern analysis; and displaying, on a display, data related to the account level underwriting decision.