Systems and methods for performing scoring optimization
First Claim
1. A system for generating a unified determination based on subdeterminations, the system including:
- a first score processor generating a first subdetermination based on first criteria, wherein the first criteria is a front end risk score, and wherein the front end risk score determines if an individual is to be mailed an offer for a financial product;
a second score processor generating a second subdetermination based on second criteria, wherein the second criteria is a back end risk score, and wherein the back end risk score determines if the individual, who is a respondent to the offer, is to be extended the financial product;
a combination score processor generating a unified determination based on the first subdetermination and the second subdetermination, the combination score processor including;
an iteration control portion assigning, using iterative processing, an assigned weighting respectively to the first determination and second determination;
a comparison portion comparing the assigned weighting to an optimized weighting, which was previously determined, to determine if the assigned weighting is improved over the optimized weighting; and
if the assigned weighting is improved, then the comparison portion assigning the assigned weighting to be the optimized weighting;
wherein the first subdetermination is a first score, and the second subdetermination is a second score;
wherein the comparison portion comparing the assigned weighting to an optimized weighting to determine if the assigned weighting is improved over the optimized weighting includes;
using a first relationship including first parameters to generate a first result, the first parameters including the first subdetermination, the second subdetermination, the assigned weighting and a first objective parameter; and
using a second relationship including second parameters to generate a second result, the second parameters including the first subdetermination, the second subdetermination, the optimized weighting and the first objective parameter, andcomparing the first result to the second result; and
the system constituted by a tangibly embodied computer processing machine.
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Abstract
The invention provides systems and methods relating to generating a unified determination based on subdetermination, and in particular, generating a unified score based on respective scores. For example, the invention provides a method for generating a unified determination based on subdeterminations, the method including generating a first subdetermination based on first criteria; generating a second subdetermination based on second criteria; and generating a unified determination based on the first subdetermination and the second subdetermination. The generation of the unified determination includes (a) assigning, using iterative processing, an assigned weighting respectively to the first determination and second determination; (b) determining if the assigned weighting satisfies at least one constraint; (c) comparing the assigned weighting to an optimized weighting, which was previously determined, to determine if the assigned weighting is improved over the optimized weighting; and (d) if the assigned weighting is improved, then assigning the assigned weighting to be the optimized weighting.
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Citations
16 Claims
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1. A system for generating a unified determination based on subdeterminations, the system including:
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a first score processor generating a first subdetermination based on first criteria, wherein the first criteria is a front end risk score, and wherein the front end risk score determines if an individual is to be mailed an offer for a financial product; a second score processor generating a second subdetermination based on second criteria, wherein the second criteria is a back end risk score, and wherein the back end risk score determines if the individual, who is a respondent to the offer, is to be extended the financial product; a combination score processor generating a unified determination based on the first subdetermination and the second subdetermination, the combination score processor including; an iteration control portion assigning, using iterative processing, an assigned weighting respectively to the first determination and second determination; a comparison portion comparing the assigned weighting to an optimized weighting, which was previously determined, to determine if the assigned weighting is improved over the optimized weighting; and
if the assigned weighting is improved, then the comparison portion assigning the assigned weighting to be the optimized weighting;wherein the first subdetermination is a first score, and the second subdetermination is a second score; wherein the comparison portion comparing the assigned weighting to an optimized weighting to determine if the assigned weighting is improved over the optimized weighting includes; using a first relationship including first parameters to generate a first result, the first parameters including the first subdetermination, the second subdetermination, the assigned weighting and a first objective parameter; and using a second relationship including second parameters to generate a second result, the second parameters including the first subdetermination, the second subdetermination, the optimized weighting and the first objective parameter, and comparing the first result to the second result; and the system constituted by a tangibly embodied computer processing machine. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A method for generating a unified determination based on subdeterminations, the method performed by a tangibly embodied computer processing machine, the method including:
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generating, by the computer processing machine, a first subdetermination based on first criteria, wherein the first criteria is a front end risk score, and wherein the front end risk score determines if an individual is to be mailed an offer for a financial product; generating, by the computer processing machine, a second subdetermination based on second criteria, wherein the second criteria is a back end risk score, and wherein the back end risk score determines if the individual, who is a respondent to the offer, is to be extended the financial product; generating, by the computer processing machine, a unified determination based on the first subdetermination and the second subdetermination including; assigning, by the computer processing machine, using iterative processing, an assigned weighting respectively to the first determination and second determination; comparing, by the computer processing machine, the assigned weighting to an optimized weighting, which was previously determined, to determine if the assigned weighting is improved over the optimized weighting; and
if the assigned weighting is improved, then assigning the assigned weighting to be the optimized weighting;wherein the first subdetermination is a first score, and the second subdetermination is a second score; wherein the comparing the assigned weighting to an optimized weighting to determine if the assigned weighting is improved over the optimized weighting includes; using a first relationship including first parameters to generate a first result, the first parameters including the first subdetermination, the second subdetermination, the assigned weighting and a first objective parameter; and using a second relationship including second parameters to generate a second result, the second parameters including the first subdetermination, the second subdetermination, the optimized weighting and the first objective parameter, and comparing the first result to the second result.
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Specification