1. A central computer server communicatively coupled to a public network, the central computer server having a non-transitory computer-usable medium with a sequence of instructions which, when executed by a processor, causes said processor to execute an electronic process that automatically generates at least one scorable object, said process comprising: receiving a request from a user device over a network to generate one or more scorable objects; accessing data stored in at least one database; creating and storing the scorable objects associated with the request from the user device, wherein the scorable objects can be used in a plurality of scoring functions.