Custom Score Generation System and Methods

For a custom score generation system, a method enabling a third party system accessing the custom score generation system to offer a data-based service that is not restricted to available data elements from a database of the third party system, the method comprising:

• with a machine of the custom score generation system comprising a processor executing instructions for:
• defining a custom score using (i) a first set of data elements that are available from the third party system's database and (ii) a second set of data elements that are not available from the third party system's database and that are obtained from a shared database of the custom score generation system;
• receiving at the custom score generation system, a request from the third party system for the custom score of a particular entity;
• merging a first set of the particular entity's values for each data element of the first set of data elements from the third party system's database with a second set of the particular entity's values for each data element of the second set of data elements from the shared database of the custom score generation system;
• producing the custom score for the particular entity by quantifying the first set of values according to rules defined for the first set of data elements and by quantifying the second set of values according to rules defined for the second set of data elements;
• and
• providing the custom score from the custom score generation system to the third party system in response to said request such that the custom score becomes available to any of a plurality of users through an interface that is provided by the third party system.

A method enabling a data service provider accessing a custom score generation system to offer a data-based service that is not restricted to available data elements from a database of the data service provider, the method comprising:

• with a machine of the custom score generation system comprising a processor executing instructions for:
• retrieving a first entity's values for a first set of data elements from a database of a first data service provider;
• retrieving a second entity's values for a second set of data elements from a database of a second data service provider;
• producing at the custom score generation system, a first custom score for the first data service provider that is defined according to specifications of the first data service provider and a second custom score for the second data service provider that is defined according to different specifications of the second data service provider, wherein producing the first custom score comprises merging the first entity's values for the first set of data elements with the first entity's values for a third set of data elements from a shared database of said system, wherein producing the second custom score comprises merging the second entity's values for the second set of data elements with the second entity's values for the third set of data elements from the shared database of said system, and wherein the third set of data elements are not present within the databases of either of the first and second data service providers;
• and
• providing (i) the first custom score to the first data service provider and (ii) the second custom score to the second data service provider, wherein the first custom score becomes available as part of a data-based service offered by the first data service provider such that the first custom score is not available at the second data service provider, and wherein the second custom score becomes available as part of a data-based service offered by the second data service provider such that the second custom score is not available at the first data service provider.