Patent ID: 7734539
Filing Date: 2010-06-08
Classification: G06Q

Abstract:
1. An apparatus comprising: a computer, the computer comprising a memory and a processor, where the processor executes computer-executable instructions in the memory to perform a method of: receiving transactional data corresponding to transactions associated with a customer; generating a cash flow statement based on the categorized transactional data; generating a net worth statement using the transactional data, where the generating includes calculating an amount of assets held by the customer at a different institution; calculating a transaction index for the customer; analyzing the transactional data to determine if the customer's account is a primary transactional account; weighting the generated cash flow statement and the net worth statement based on whether the customer's account is a primary transactional account; and calculating a share of wallet for the customer indicating a percentage of a customer's financial requirement filled by a particular financial institution; weighting the share of wallet along with the generated cash flow and net worth statement; and determining credit worthiness based on the weighted share of wallet, transaction index, cash flow, and net worth statement.