Abstract: A method for computer estimations based on statistical tree structures involves obtaining a statistical tree structure for reference elements. The statistical tree structure includes leaf nodes segmenting a statistic for a data label according to data features in the reference elements, and intermediate nodes connecting a first node to the leaf nodes. Each of the first node and the intermediate nodes provide a branching based on one of the data features. The method further includes obtaining target data, including values for the data features, and a value for the data label. The method also includes selecting the first node, associated with a first data feature, traversing the statistical tree structure to a leaf node by matching the values of the data features to the branching of the intermediate nodes, and assessing the value for the data label in the target data based on the statistic associated with the leaf node.

Abstract: A method for computer estimations based on statistical tree structures involves obtaining a statistical tree structure for reference elements. The statistical tree structure includes leaf nodes segmenting a statistic for a data label according to data features in the reference elements, and intermediate nodes connecting a first node to the leaf nodes. Each of the first node and the intermediate nodes provide a branching based on one of the data features. The method further includes obtaining target data, including values for the data features, and a value for the data label. The method also includes selecting the first node, associated with a first data feature, traversing the statistical tree structure to a leaf node by matching the values of the data features to the branching of the intermediate nodes, and assessing the value for the data label in the target data based on the statistic associated with the leaf node.

Abstract: A method for computer estimations based on statistical tree structures involves obtaining a statistical tree structure for reference elements. The statistical tree structure includes leaf nodes segmenting a statistic for a data label according to data features in the reference elements, and intermediate nodes connecting a first node to the leaf nodes. Each of the first node and the intermediate nodes provide a branching based on one of the data features. The method further includes obtaining target data, including values for the data features, and a value for the data label. The method also includes selecting the first node, associated with a first data feature, traversing the statistical tree structure to a leaf node by matching the values of the data features to the branching of the intermediate nodes, and assessing the value for the data label in the target data based on the statistic associated with the leaf node.

Abstract: A method for computer estimations based on statistical tree structures involves obtaining a statistical tree structure for reference elements. The statistical tree structure includes leaf nodes segmenting a statistic for a data label according to data features in the reference elements, and intermediate nodes connecting a first node to the leaf nodes. Each of the first node and the intermediate nodes provide a branching based on one of the data features. The method further includes obtaining target data, including values for the data features, and a value for the data label. The method also includes selecting the first node, associated with a first data feature, traversing the statistical tree structure to a leaf node by matching the values of the data features to the branching of the intermediate nodes, and assessing the value for the data label in the target data based on the statistic associated with the leaf node.

Abstract: A method for performing transactions using an aggregate payment medium involves obtaining payee data associated with a payee, obtaining transaction data associated with a transaction to be performed between a payer and the payee, and determining, for each payment medium, a benefit and a cost associated with using the payment medium for the transaction. The method further includes obtaining, for each of the payment media, a return from using the payment medium for the transaction, based on the benefit and the cost, selecting, from the payment media, a payment medium with a highest return, and providing, by the aggregate payment medium, payment medium data associated with the selected payment medium to the payee to enable execution of the transaction.