Abstract: A method for minimizing overdraft charge-off in a bank account includes: (a) identifying a plurality of factors that can result in a bank account charge-off; (b) building a case history database of bank account holder information based upon a plurality of data elements associated with each of the plurality of factors; (c) creating numeric and/or categorical representations of the bank account holder information for each of the bank accounts in the case history database; (d) tabulating the numeric and/or categorical representations and the data elements for the bank accounts in the case history database; (e) combining certain ones of the numeric and/or categorical representations to separate the bank accounts in the case history database into a plurality of risk groups, each risk group having an associated probability of charge-off; and (f) optimizing, for each of the plurality of risk groups, a bank profit, by setting overdraft limits.

Abstract: A method for minimizing overdraft charge-off in a bank account includes: (a) identifying a plurality of factors that can result in a bank account charge-off; (b) building a case history database of bank account holder information based upon a plurality of data elements associated with each of the plurality of factors; (c) creating numeric and/or categorical representations of the bank account holder information for each of the bank accounts in the case history database; (d) tabulating the numeric and/or categorical representations and the data elements for the bank accounts in the case history database; (e) combining certain ones of the numeric and/or categorical representations to separate the bank accounts in the case history database into a plurality of risk groups, each risk group having an associated probability of charge-off; and (f) optimizing, for each of the plurality of risk groups, a bank profit, by setting overdraft limits.

Abstract: A method for processing document image data wherein the quality of the document image is determined by examination of a vital document area includes determining a confidence level for the document by calculating two or more confidence factors for each vital document area. These confidence levels include calculations based on number, mass, and quality of identified characters within the vital area, the distribution of pixels horizontally across the document, and empirically determined norms for image density and distribution. The confidence levels are combined to give a confidence level for the document image quality.