Patent ID: 7925578

Claim:
A method for generating a unified determination based on subdeterminations, the method implemented on a processing machine, comprising a memory and process, the method including: generating a first subdetermination based on first criteria, using the processing machine, wherein the first subdetermination is a front end risk score; generating a second subdetermination based on second criteria, using the processing machine, wherein the second subdetermination is a back end risk score; wherein the front end risk score determines if an individual is to be mailed an offer for a financial product; and the back end risk score determines if the individual, who is a respondent to the offer, is to be extended the financial product; generating a unified determination, using the processing machine, based on the first subdetermination and the second subdetermination, including: assigning, using iterative processing, for each respective iteration, an assigned weighting factored into a relationship in conjunction with the first subdetermination and second subdetermination; determining if the assigned weighting, as factored into the relationship, satisfies at least one constraint imposed on the relationship; comparing the assigned weighting, as factored into a further relationship, to an optimized weighting, as factored into the further relationship, 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, whereby the further relationship is further maximized and an improved optimized weighting is identified for use in the unified determination to determine risk associated with an individual.