Patent ID: 8280805

Claim:
A computer-implemented system for evaluating risks associated with alternative strategies for assessing an entity with respect to a predetermined objective, wherein software instructions operate within a processor-based environment, said system comprising: a computer-readable action table; wherein the action table contains a plurality of possible actions that can be taken with respect to the predetermined objective for various entity profiles; wherein the action table contains an action for each entity profile; wherein the possible actions of the action table relate to a credit approval process, credit collection process, or promotion process; wherein criteria for factors of the action table are based upon a plurality of credit-risk assessment categories; wherein the plurality of credit-risk assessment categories include character criteria, capacity criteria, capital criteria, collateral criteria, or conditions criteria; one or more computer-readable statistical data stores that are configured to contain risk amounts associated with each entity profile; wherein the one or more statistical data stores are configured to contain inferred percentage distribution of applicants associated with each entity profile; one or more profile identification data stores; wherein a computer-readable profile identification data store contains entity identification information for use in determining an action for the entity; software instructions to determine an action for the entity by comparing characteristics associated with the entity with characteristics associated with the entity profiles contained in the action table; one or more computer-readable improvement data stores; wherein an improvement data store provides an indication in an improvement in risk based upon a change in one or more characteristics for an entity profile; one or more computer-readable protected class data stores; wherein a protected class data store provides an indication of an impact of a policy change on a particular protected class, both with respect to an approval, collection, or promotion decision and relative to one or more characteristics, or combinations of characteristics, for an entity profile; software instructions for analyzing cell orderings and cell distributions in the action table; said analyzing cell orderings and cell distributions includes determining degree of risk associated with an action cell or percentage of credit applicants associated with an action cell; one or more data processors configured to execute the software instructions for determining the action for the entity and the software instructions for analyzing the cell orderings and the cell distributions.