Patent ID: 7383215

Claim:
An account management system for statistically based automated decision making, comprising: a host system comprising an account management component of said account management system, said host system performing all account management processing and comprising one or more scoring and functionally/predictive models for generating decisions; report records used for testing purposes, said reports generated for most decision areas, wherein said report records contain all account management actions and other information on each account through-out a cycle in which a new behavior score is computed, accounts are sorted into treatment groups, and a set of actions are returned, wherein said report records are provided as a client system input; and a data warehouse for facilitating use of said score and decision models; a client system networked with host system said client system comprising a graphical front end component for end user interaction with said account management system, said client system comprising means for managing database files and control settings for said account management component and means for uploading said database files and said control settings to said account management component for processing by said account management system and for receiving results from said account management system; and a calling program for allocating data areas at said host system, said calling program comprising means for receiving said database files and said control settings from said client system as an input to said account management system and means for writing said database files and said control settings to said allocating data areas at said host system, and means for returning results read from said allocated data areas of said account management system to said client system; said account management system comprising means for performing its operations by writing account management system actions and other information to a report record file comprising at least said allocated data areas; and said client system comprising a plurality of user applications, including applications for providing a graphical view of strategies and strategic portfolio assignments; wherein said account management system is integrated with said end user applications at said client system by said calling program to perform all account management processing at said account management system and to provide said end user with said graphical front end component and end user application access at said client system; and wherein said cycle comprises a processing order comprising; assigning an account to a strategic portfolio; assigning strategy IDs for decision areas; calculating a behavior score; reviewing an account for credit line actions; reviewing said account for delinquent actions; reviewing said account for overlimit actions; writing to said report records; and returning action and other data to said calling program.