A system and method for creating virtual “flat” customer records derived from database customer data that may be used as standardized input for analytical models. A Customer Analytic Record (“CAR”) application may be created as a database object to extract, transform, and format all of the customer...http://www.google.co.uk/patents/US7047251?utm_source=gb-gplus-sharePatent US7047251 - Standardized customer application and record for inputting customer data into analytic models