Patent ID: 8498931

Claim:
A computer-implemented system for evaluating risks, the system comprising: one or more processors configured to perform operations including: generating and storing an action table, wherein the action table contains a plurality of possible actions that can be taken with respect to a predetermined objective for various entity profiles, and wherein the action table contains an action for each entity profile; generating one or more statistical data stores that are configured to contain risk amounts associated with each entity profile, wherein the one or more statistical data stores include one or more data stores that contain percentage distribution forecasts for the entity profiles, and wherein the one or more statistical data stores are configured to contain an inferred percentage distribution of applicants associated with each entity profile; generating a score value that indicates a level of risk associated with an action for an entity, wherein generating the score value includes using the statistical data stores; generating one or more profile identification data stores, wherein a profile identification data store contains entity identification information for use in determining an action for the entity, and wherein an action is determined for the entity by comparing characteristics associated with the entity with characteristics associated with the entity profiles contained in the action table; and generating an improvement data store which provides an indication in the improvement in risk based upon a change in one or more characteristics for an entity profile.