A method of creating a decision engine including a Bayesian network. The method
includes retrieving data from a client database and forming a focus database; applying
a set of initial rules to the focus database to form at least two nodes; applying
a first learning process to determine a set of arcs to be applied between the at
least two nodes; applying a second learning process to determine a set of states
to be applied within each node; applying a third learning process to determine
a set of probabilities applicable to the states learned in the second learning
process; and applying a fourth learning process to update a structure of the at
least two nodes, the set of arcs, the set of states within each node, and the set
of probabilities for the states.