Abstract: Methods and systems generally include a system for collecting and processing data having a crawling system of a computing device for collecting the data from at least one public alternative data site; and an automated data processing system for processing the data collected by the crawling system from the at least one public alternative data site. The automated data processing system is configured to generate at least one risk indicator for use in an insurance system. The data collected by the crawling system is used by the computing device to automatically populate an insurance application and to determine the at least one risk indicator by at least combining data from a plurality of the at least one public alternative data sites.

Abstract: Methods and systems generally include a system for collecting and processing data having a crawling system of a computing device for collecting the data from at least one public alternative data site; and an automated data processing system for processing the data collected by the crawling system from the at least one public alternative data site. The automated data processing system is configured to generate at least one risk indicator for use in an insurance system. The data collected by the crawling system is used by the computing device to automatically populate an insurance application and to determine the at least one risk indicator by at least combining data from a plurality of the at least one public alternative data sites.

Abstract: A system and method for determining a risk score for a target subject using social media is provided. A potential subject is identified and publicly available online content relating to the subject, such as information from social networking websites, blogs, and other social media, is collected and verified. Using a predictive scoring process, the verified information is compared to an existing data set of known outcomes, and a final determination of risk for the target subject is provided. The process may be tailored to a specific use case, such as applications for insurance, employment, or a loan. The final determination of risk may be expressed as a recommended action, such as a green light recommending approval of the application, or a red light recommending denial of the application. Alternatively, a red light application may be approved at an increased price or rate.