Patent ID: 7490052

Claim:
A computerized method for predicting individual behavior from information stored in a plurality of separate and disparate databases, the method comprising: accessing a first database of the plurality of separate and disparate databases, the first database comprising a first plurality of records respectively associated with a first plurality of consumers, wherein the first plurality of records each comprise a first plurality of data variables associated with survey data provided from the respective of the first plurality of consumers; accessing a second database of the plurality of separate and disparate databases, the second database comprising a second plurality of records associated with a second plurality of consumers, wherein the second plurality of records each comprise a second plurality of data variables associated with transactions of respective of the second plurality of consumers; wherein the first plurality of data variables includes data variables that are not included in the second plurality of data variables, and wherein at least some consumers of the second plurality of consumers are not in the first plurality of consumers; identifying a data variable which is common to the first data variables and the second data variables, wherein identifying the data variable comprises identifying at least one qualitative variable which is common to each database of the plurality of separate and disparate databases and transforming the at least one qualitative variable into one or more quantitative variables; using a processing device, performing a cluster analysis across all separate databases, of the plurality of separate and disparate databases, using the common data variable from each database of the plurality of separate and disparate databases to form a plurality of clusters, at least one cluster of the plurality of clusters containing at least some of the first plurality of consumers and at least some of the second plurality of consumers that are not in both the first and second databases; using a processing device, forming an integrated database by linking the plurality of clusters through the plurality of separate and disparate databases; using a processing device, creating a behavioral model, using corresponding data of the plurality of clusters of the integrated database, for predicting individual behavior of respective of the second plurality of consumers.