Patent ID: 8364578

Claim:
A computer-implemented decision management process for evaluating a customer of an organization having more than one account, comprising: loading all customer and account data required for evaluating the customer and each of the accounts into a computer of a decision management system; evaluating the customer and each of the accounts via an iterative function which uses the loaded customer and account data by a computer of the decision management system, wherein said evaluating determines which strategy of a plurality of strategies will be used to evaluate each account via the iterative function based on a type of the account, and evaluates each account for a same product or service via the iterative function with the same strategy and evaluates accounts for different products or services via the iterative function with different strategies, to thereby produce a respective decision for each of the accounts, the loaded customer and account data being loaded at a time prior to initiating said evaluating and being sufficient to evaluate the customer and each of the accounts by said evaluating without loading additional customer or account data, the customer and each of the accounts thereby being evaluated in a single pass via the iterative function; and taking an action in accordance with a result of said evaluating.