System and method for applying predictive social scoring to perform focused risk assessment

A system for providing a recommended action for a target subject and specific use case, comprising:

• one or more processors in communication with an online computer network;
• a database comprising known outcomes, the database communicatively coupled to at least one of the one or more processors;
• and
• one or more memory devices storing instructions that, when executed by at least one of the one or more processors, cause the system to:
• receive a request to evaluate a target subject in conjunction with the specific use case;
• identify information relating to the target subject by searching the online computer network, and storing the identified information as target subject profile data;
• select a plurality of features according to the specific use case;
• receive known outcome information from the database for one or more of the selected features;
• evaluate the target subject profile data in comparison to the known outcome information;
• and
• determine a recommended action for the target subject and specific use case according to the evaluation.

A method for determining an insurance quotation for a target subject, comprising:

• receiving a request for an insurance quote for a target subject;
• obtaining publicly available online data regarding the target subject;
• verifying the obtained data and storing the verified data as target subject profile data;
• determining a predictive score for the target subject from an evaluation of the target subject profile data in view of a plurality of known outcomes, wherein the predictive score is provided as a numerical risk score for the target subject;
• and,
• providing an insurance rate quote based on the numerical risk score, wherein a lower predictive score is associated with a lower insurance rate quote.