Patent ID: 8355974

Claim:
A computer-implemented method, comprising: receiving statistical data about one or more financial accounts from one or more computer databases wherein said receiving comprises receiving one or more interest rates and one or more balance amounts associated with one or more of the financial accounts in which an early balance payoff has occurred; calculating, on a computer, an effectiveness value for each of the one or more financial accounts based on the statistical data; generating, on the computer, a prediction model based on the statistical data, wherein said generating includes computing a predictive function for predicting the probability of an early balance payoff based on the one or more interest rates and the one or more balance amounts associated with the one or more of the financial accounts in which an early balance payoff has occurred; determining, on the computer, a first probability of an early balance payoff occurring in a first account of the one or more financial accounts based on the prediction model, wherein said determining includes applying the prediction function for predicting the probability of an early balance payoff to the first account of the one or more financial accounts; based on at least one of the effectiveness value or the first probability of an early balance payoff, classifying, on the computer, the first account; and calculating, on the computer, a first amount to be charged if an early balance payoff occurs in the first account.