1. A computer-implemented method comprising: generating a data structure for creation of rules, the data structure representing nodes and associations between nodes from inputs for fraud/non-fraud conditions, the data structure being generated from fraud and non-fraud data collected in an adaptive modeling process from past transactions; determining all unique paths between nodes of the data structure to define a rule for each path, each rule having one or more preconditions; converting each rule to a binary indicator variable to generate a set of binary indicator variables; deriving one or more complex variables from the set of binary indicator variables; and providing the one or more binary indicator variables and one or more complex variables to an adaptive scoring engine to score new transactions.