Patent ID: 7447657

Claim:
A method for using a computerized decision engine to adjust parameter values of a financial account, the method comprising: assigning to the financial account an account processing method that sets one or more parameter values of the financial account, the account processing method having an associated method override that modifies at least one of the one or more parameter values set by the account processing method; providing to the computerized decision engine a set of decision criteria comprising a set of decision elements each having one or more threshold values associated therewith, the set of decision elements corresponding to account attributes of the financial account, wherein at least one of the account attributes relates to historical usage of the account; providing to the computerized decision engine the corresponding account attributes of the financial account; providing to the computerized decision engine account history information about the financial account; obtaining from the computerized decision engine a result indicating whether to apply the associated method override to the financial account, wherein the computerized decision engine determines the result by applying the decision criteria to the account attributes and the account history information; applying the associated method override to the financial account in response to a result indicating that the associated method override is to be applied; and changing at least one parameter value of the financial account in response to applying the method override.