Sap Ag

Zhibin Cao

Denis Malov

A computer system for modeling a portfolio of products in a financial system to determine the rate of a target product. The products are defined by attribute values, an attribute being any criteria that impacts product rates. Linear associated product rules are used by the computer system to create an optimized scenario of total profit and overall volume of sales for the portfolio. From the optimized scenario a rate for the target product can be determined which maintains a financial institution's strategic and business objectives. The optimizing process includes applying the associated product rules to products actively contributing to key performance indicators. Densification is then used to infer the rate for all other products in the portfolio. Finally, if the starting rate of a product violates an associated product rule, the starting rate is relaxed to avoid the violation.

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Phoenix, AZ, United States of America

Zhibin Cao