Abstract: A communications system comprising a storage medium storing executable instructions and a computer hardware unit is provided. The computer hardware unit is in communication with the storage medium. The computer hardware unit is configured to execute the executable instructions to identify a category associated with a criterion of a user and generate a first user interface displaying a plurality of options. The computer hardware unit is further configured to receive a first set of options from the plurality of options, wherein the first set of options is associated with a user profile of the user. The computer hardware unit is further configured to determine a second set of options from the plurality of options, wherein the second set of options is associated with the category.

Abstract: A database system for risk data processing is disclosed. The database system includes a database storage configured to store a group of data items stored in a first portion of the database and one or more benchmark sets of data items stored in a second portion of the database storage. The system further includes a database interface configured to provide access to the database storage. The system also includes a processor configured to perform risk data processing.