Patent ID: 8341166

Claim:
A system comprising: a processor for enabling development and execution of a plurality of models; a tangible, non-transitory memory communicating with the processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising: receiving, by the processor, data from a plurality of data sources, wherein the data comprises a set of variables, and wherein the data sources comprise at least one of: an authorization system, a risk management system, a demographic system, and a spend/bill system; storing, by the processor, the data to flat files; standardizing, by the processor, the data; extracting, by the processor using a data extraction tool, the data based at least in part on the contents of an uploaded customer file thereby allowing a user to create a model; validating, by the processor using a model validation tool, the model; receiving, by the processor, a scoring frequency at which customers are to be scored based on the model; scoring, by the processor and based on the model, the customers at the scoring frequency; and storing, by the processor, the set of variables in a plurality of split files based upon a frequency of use of each variable in the plurality of models and to reduce a cycle time associated with a repeated execution of the plurality of models.