Patent ID: 7617156

Claim:
A computer-implemented method, comprising: clustering, by a financial computing system, a plurality of financial accounts into a first risk group comprising a first subset of the plurality of financial accounts and a second risk group comprising a second subset of the plurality of financial accounts, wherein the first risk group is clustered based on a first probability of at least one of overdraft charge-off or overdraft curing and the second risk group is clustered based on a second probability of at least one of overdraft charge-off or overdraft curing; determining, by the financial computing system, a first value for a type of overdraft limit, associated with a type of overdraft, for the first risk group and a second value for the type of overdraft limit for the second risk group, wherein the first value optimizes an expected profit for the first risk group for the type of overdraft at a first risk level and the second value optimizes an expected profit for the second risk group for the type of overdraft at a second risk level; and assigning, by the financial computing system, the first value for the type of overdraft limit to each of the financial accounts in the first risk group and the second value for the type of overdraft limit to each of the financial accounts in the second risk group.