Patent Document ID: 8396726
Application ID: 13301951
Patent Flag: 1

Claim One:
1. A processor-readable electronic non-transitory storage medium storing processor-issuable instructions executable by a processor to: retrieve a risk rater data structure, said risk rater data structure comprising, a set of risk rater base criteria, comprising at least a unique risk rater identifier, a plurality of risk characteristic input fields, at least one expression comprising a mathematical operation to be performed on at least one risk characteristic received via a subset of the plurality of risk characteristic input fields, a set of risk rater rule calls, specifying elements of a risk rater ruleset database, and a set of risk rater lookup table calls, specifying elements of a risk rater lookup tables database; and generate a risk rater product based on the the retrieved risk rater data structure by dynamically integrating and evaluating risk rater rules, said risk rater rules being referenced by the risk rater rule calls and stored in the risk rater ruleset database external to the risk rater data structure.