Patent Document ID: 8577791
Application ID: 11690377
Patent Flag: 1

Claim One:
1. A computer program residing in memory and executable by a processor, said computer program being configured to provide a price for a product segment of a loan product offered by a financial institution, said computer program instructing said processor to perform operations comprising: receiving transaction records for loans taken at various prices for said loan product; classifying said transaction records in a database according to customer behaviors observed in said transaction records; computing performance indicators indicative of said customer behaviors observed in said transaction records using independent demand models, said computing operation accessing said transaction records in said database classified in accordance with said customer behaviors for use in said computing operation; determining relationships between said performance indicators and said various prices; and utilizing said relationships to select said price for said product segment for implementation by said financial institution; wherein one of said customer behaviors is a line-increase behavior, and said computer program instructs said processor to perform further operations of said computing operation comprising: initiating a line-increase propensity model for said line-increase behavior, one of said performance indicators for said line-increase propensity model being a quantity of line-increase occurrences for said loans; and ascertaining from said line-increase propensity model one of said relationships, said one relationship correlating said quantity of line-increase occurrences with said various prices for said loans.