Patent ID: 8775218

Claim:
A method of structuring and transforming disparate data for use in rendering a decision involving a potentially insurable applicant, said method comprising: retrieving, by a computer, data from a first database, said retrieved data relating to the applicant; and executing, by the computer, computer-executable instructions for: transforming the retrieved data into domain-specific information, said domain-specific information relating to insurability of the applicant; storing the transformed domain-specific information in a second database; defining one or more relevancy factors as a function of the decision to be rendered involving the applicant; assigning at least one of the relevancy factors to at least a portion of the transformed domain-specific information stored in the second database; processing the transformed domain-specific information as a function of the assigned relevancy factors; providing an output comprising the assigned relevancy factors to an underwriter for use in rendering the decision involving the applicant, wherein the processing, by the computer, comprises at least one of: ant colony optimization, a heuristic algorithm, network theory, predictive modeling, deterministic chaos, behavioral economics, fractal geometry, and cellular automata; monitoring one or more actions on the provided output by the underwriter in rendering the decision; generating feedback as a function of the monitored actions; adjusting, by the computer, at least one of said transforming, defining, assigning, and processing the transformed domain-specific information subsequent to providing the feedback to the underwriter; and presenting an updated output to the underwriter based on the feedback.