Patent ID: 8812331

Claim:
A computer implemented method, comprising: receiving, by a specifically programmed computer, a plurality of loan interest rates by rating category, and default probability data for a plurality of time intervals; receiving, by the specifically programmed computer, a loan amount, a loan term, and a payment schedule; receiving, by the specifically programmed computer, insured floor project savings risk distribution data for an improvement plan for a facility; for each rating category, computing, by the specifically programmed computer, net periodic loan payments for a plurality of confidence levels of project savings based on the insured floor project savings risk distribution data; for each rating category, computing, by the specifically programmed computer, default amounts for the plurality of confidence levels of project savings, based on the net periodic loan payments for such rating category; determining, by the specifically programmed computer, equivalent credit risk relationships based on the default amounts for the plurality of confidence levels of project savings at each rating category; computing, by the specifically programmed computer, a project loan credit rating enhancement for the improvement plan for the facility based on the equivalent credit risk relationships; and analyzing, by the specifically programmed computer, a pricing of an insurance policy based on the project loan credit rating enhancement associated with implementing the improvement plan for the facility.