Computer-implemented risk evaluation systems and methods
First Claim
1. A computer-implemented system for evaluating risks, the system comprising:
- one or more processors configured to perform operations including;
generating and storing an action table, wherein the action table contains a plurality of possible actions that can be taken with respect to a predetermined objective for various entity profiles, and wherein the action table contains an action for each entity profile;
generating one or more statistical data stores that are configured to contain risk amounts associated with each entity profile, wherein the one or more statistical data stores include one or more data stores that contain percentage distribution forecasts for the entity profiles, and wherein the one or more statistical data stores are configured to contain an inferred percentage distribution of applicants associated with each entity profile;
generating a score value that indicates a level of risk associated with an action for an entity, wherein generating the score value includes using the statistical data stores;
generating one or more profile identification data stores, wherein a profile identification data store contains entity identification information for use in determining an action for the entity, and wherein an action is determined for the entity by comparing characteristics associated with the entity with characteristics associated with the entity profiles contained in the action table; and
generating an improvement data store which provides an indication in the improvement in risk based upon a change in one or more characteristics for an entity profile.
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Abstract
Systems and methods are provided for evaluating risks associated with alternative strategies for assessing an entity with respect to a predetermined objective. A system includes an action table that contains a plurality of possible actions that can be taken with respect to the predetermined objective for various entity profiles. One or more statistical data stores are configured to contain risk amounts associated with each entity profile, where the one or more statistical data stores are configured to contain inferred percentage distribution of applicants associated with each entity profile. One or more profile identification data stores contain entity identification information for use in determining an action for the entity. One or more improvement data stores provide an indication in the improvement in risk based upon a change in one or more characteristics for an entity profile.
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Citations
35 Claims
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1. A computer-implemented system for evaluating risks, the system comprising:
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one or more processors configured to perform operations including; generating and storing an action table, wherein the action table contains a plurality of possible actions that can be taken with respect to a predetermined objective for various entity profiles, and wherein the action table contains an action for each entity profile; generating one or more statistical data stores that are configured to contain risk amounts associated with each entity profile, wherein the one or more statistical data stores include one or more data stores that contain percentage distribution forecasts for the entity profiles, and wherein the one or more statistical data stores are configured to contain an inferred percentage distribution of applicants associated with each entity profile; generating a score value that indicates a level of risk associated with an action for an entity, wherein generating the score value includes using the statistical data stores; generating one or more profile identification data stores, wherein a profile identification data store contains entity identification information for use in determining an action for the entity, and wherein an action is determined for the entity by comparing characteristics associated with the entity with characteristics associated with the entity profiles contained in the action table; and generating an improvement data store which provides an indication in the improvement in risk based upon a change in one or more characteristics for an entity profile. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33)
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34. A computer-implemented method for evaluating risks, the method comprising:
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accessing an action table; determining, by a computing device, an action for an entity by comparing characteristics associated with the entity with characteristics associated with entity profiles contained in the action table, wherein the action table contains a plurality of possible actions that can be taken with respect to a predetermined objective for various entity profiles, and wherein the action table contains an action for each entity profile; generating one or more statistical data stores configured to contain risk amounts associated with each entity profile, wherein the one or more statistical data stores include one or more data stores that contain percentage distribution forecasts for the entity profiles, and wherein the one or more statistical data stores are configured to contain inferred percentage distribution of applicants associated with each entity profile; generating, by the computing device, a score value that indicates a level of risk associated with an action for an entity, wherein generating the score value includes using the statistical data stores; generating a profile identification data store that contains entity identification information for use in determining an action for the entity; and providing an indication in the improvement in risk based upon a change in one or more characteristics for an entity profile, wherein providing the indication in the improvement in risk is done on the computing device and using an improvement data store.
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35. A computer-program product for evaluating risks, the computer-program product tangibly embodied in a machine-readable, non-transitory storage medium having instructions stored thereon, the instructions executable to cause a data processing apparatus to perform operations including:
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accessing an action table; determining an action for an entity by comparing characteristics associated with the entity with characteristics associated with entity profiles contained in the action table, wherein the action table contains a plurality of possible actions that can be taken with respect to a predetermined objective for various entity profiles, and wherein the action table contains an action for each entity profile; generating one or more statistical data stores configured to contain risk amounts associated with each entity profile, wherein the one or more statistical data stores include one or more data stores that contain percentage distribution forecasts for the entity profiles, and wherein the one or more statistical data stores are configured to contain inferred percentage distribution of applicants associated with each entity profile; generating a score value that indicates a level of risk associated with an action for an entity, wherein generating the score value includes using the statistical data stores; generating a profile identification data store that contains entity identification information for use in determining an action for the entity; and providing an indication in the improvement in risk based upon a change in one or more characteristics for an entity profile, wherein providing the indication in the improvement in risk is done on a computing device and using an improvement data store.
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Specification