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Method and system for enhancing credit line management, price management and other discretionary levels setting for financial accounts
Method and system for enhancing credit line management, price management and other discretionary levels setting for financial accounts
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机译：增强信用额度管理，价格管理和其他自由裁量级别设置的方法和系统
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摘要
A method and system is disclosed for enabling the accurate determination of price points (APRs), credit limits, and other discretionary levels for each cardholder that maximize Net Present Value (NPV) for the portfolio, given constraints on quantities such as risk of default. In accordance with one embodiment, the present invention uses a Markov Decision Process (MDP) methodology to generate a simplified transition matrix representative of the potential state transitions for account holders. This model applies account level historical information on purchases, payments, profitability and delinquency risk to make these decisions. In addition, a data structure is disclosed constructed to implement a transition matrix computationally in different sizes.
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