Patent ID: 8429067
Filing Date: 2013-04-23
Classification: G06Q

Abstract:
1. A system for detecting changes in business stability comprising: a merchant system interface configured to receive payment data from a plurality of merchants, wherein each of the plurality of merchants has an associated merchant class; a credit processor coupled to the merchant system interface, the credit processor system configured to receive the payment data from the merchant system interface and storing the payment data; a merchant credit/risk system coupled to the credit processor, the merchant credit/risk system configured to generate business stability data from the payment data for each of the plurality of merchants as a function of the payment data for other merchants within the associated merchant class; and an underwriting system coupled to the merchant credit/risk system, the underwriting system configured to receive escrow data for each of the plurality of merchants and business stability data for each of the plurality of merchants and to generate an indication to increase an escrow amount for one or more of the plurality of merchants for an escrow account held by a merchant processor in response to the business stability data for the one or more of the plurality of merchants and as a function of the payment data for other merchants within the associated merchant class.