| CPC G06Q 20/42 (2013.01) | 20 Claims |
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1. A method for developing an optimized debt service strategy solution utilizing products across multiple product categories and multiple entities, the method comprising:
receiving, by communications hardware from a plurality of remote servers via a network interface, (i) user financial information comprising a FICO score or a debt-to-income ratio, and (ii) product information for products offered by the multiple entities, wherein each of the plurality of remote servers is associated with a respective entity of the multiple entities;
generating, by surrogate modeling circuitry, a user dataset by inputting, at least in part, the user financial information into a plurality of surrogate models comprising an interest rate model and an approval likelihood model;
generating, by the surrogate modeling circuitry and based on the user dataset, a parameter estimation set;
determining, by optimizer modeling circuitry and based on the product information, the user dataset, and the parameter estimation set, a respective debt service strategy solution for each respective entity, wherein the respective debt service strategy solution comprises at least one product of a first product category from a plurality of products associated with the multiple product categories, wherein determining the respective debt service strategy solution for each respective entity comprises:
determining, by the optimizer modeling circuitry and based on the user dataset, a baseline strategy solution comprising suggested values for existing products of a user in accordance with a constraint factor set,
generating, by the optimizer modeling circuitry and for each product in the plurality of products, a product portfolio comprising (i) a respective product of the plurality of products and (ii) the existing products,
determining, by the optimizer modeling circuitry and using the interest rate model, a recommended product portfolio set comprising one or more recommended product portfolios, wherein each recommended product portfolio has a respective cost savings value that is equal to, or greater than, the baseline strategy solution,
determining, by the surrogate modeling circuitry and using the approval likelihood model, an approval likelihood for each product associated with each recommended product portfolio based, at least in part, on the user financial information,
determining, by the optimizer modeling circuitry, a respective scaled cost savings value for each of the one or more recommended product portfolios by multiplying the respective cost savings value by a respective approval likelihood,
ranking, by the optimizer modeling circuitry, the one or more recommended product portfolios based on the respective scaled cost savings value for each of the one or more recommended product portfolios, and
selecting, by the optimizer modeling circuitry, a top-ranked recommended product portfolio as the respective debt service strategy solution for each respective entity; and
causing presentation, by the communications hardware, of the respective debt service strategy solution for each respective entity via an interactive user interface by:
simultaneously causing display of a first interactive data element associated with a first debt service strategy solution of a first entity in a first portion of the interactive user interface, wherein the first interactive data element comprises a first link to a first webpage of the first entity, and a second interactive data element associated with a second debt service strategy solution of a second entity in a second portion of the interactive user interface, wherein the second interactive data element comprises a second link to a second webpage of the second entity.
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