Abstract: A method includes: receiving a request corresponding to a prospective customer for a new service contract and/or a product, wherein the request comprises purchaser data specific to the prospective purchaser, and new transaction data; determining historic data for a plurality of past transactions based at least in part on the purchaser data and one or more characteristics of the new service contract and/or the product, the historic data including purchaser data, transaction data, and outcome data; determining, based on the respective outcome data, historic profitability data related to the plurality of past transactions; determining a profitability prediction of the request, wherein the profitability prediction is based on the historic profitability data; determining a profit estimate of the request, the profit estimate based on a cost associated with a subsidization of the new service contract and/or the product; and determining an authorization decision based on the profitability prediction.

Abstract: A method includes: receiving a request corresponding to a prospective customer for at least one of a new service contract and sale of a product, the request including purchaser data specific to the purchaser, and new transaction data; determining historic data for a plurality of past transactions based at least in part on the purchaser data and one or more characteristics of the at least one of the new service contract and sale of the new product, the historic data for each past transaction including respective purchaser data, respective transaction data, and respective outcome data; determining historic risk data related to the plurality of past transactions; determining a risk prediction of the request based at least in part upon the historic risk data; and determining an authorization decision based at least in part upon the risk prediction, wherein the authorization decision comprises an approval or a denial of the request.