Patent Document ID: 20110184884
Application ID: 12693377
Patent Flag: 0

Claim One:
1. A method for implementation by one or more data processors, the method comprising: first applying, by at least one data processor, a decision model to a set of current data from a mortgage portfolio to generate a first portfolio metric, the decision model being formed from a network of a plurality of predictive models, the predictive models being trained on historical data derived from a plurality of mortgage account profiles for a plurality of mortgages within the mortgage portfolio, the historical data characterizing actions taken on mortgages in the mortgage portfolio, at least one of the predictive models being an action-based predictive model allowing modification of at least one attribute affecting performance of the mortgage portfolio; receiving, by at least one data processor, data modifying at least one attribute from one of the action-based predictive models; second applying, by at least one data processor, the decision model to the set of current data from the mortgage portfolio with the modified at least one attribute from one of the action-based predictive models to generate a second portfolio metric; optimizing, by at least one data processor, a selection of the modifiable attributes from the action-based predictive models to maximize or minimize the second portfolio metric taking into account a constraint to the optimization; and providing, by at least one data processor, data characterizing the optimized second portfolio metric.