GetScoreForFactorVariables <- function(data, discript, strings)
{
  values <- data[, discript]
  scores <- 1:length(strings)
  names(scores) <- strings
  data$scores <- scores[values]

  return (data)
}

clientsdisp.df <- GetScoreForFactorVariables(clientsdisp.df, "type", c("DISPONENT", "OWNER"))
cards.df <- GetScoreForFactorVariables(cards.df, "type", c("junior", "classic", "gold"))
account.dr