US Patent 9418337 Systems and models for data analytics

Systems and methods are provided that allow for generating and applying an improved predictive data model that aggregates two or more models performed sequentially, for the purposes of improving the prediction of overall profitability of individuals or households in a population. The models may be generated by the processing of customer profitability data and third-party population data together. One of the two aggregated models may be an inherently probabilistic, binary model tasked with determining whether an individual is a high-loss individual and using that result to improve the predictive capability of the system.