Patent ID: 8504469

Claim:
A system for reviewing a plurality of financial-transaction data across a plurality of individual consumers to identify the individual consumers who have intentionally misused credit in the past, the system comprising: a user interface; a memory device comprising: computer-readable program code; financial-transaction data for each of the individual consumers; and a computing device processor operatively coupled to the user interface and the memory device and configured to execute the computer-readable program code to: locate in the memory device financial-transaction data for each of the individual consumers; utilize the financial-transaction data to identify the individual consumers who quickly drew down a large percentage of a credit limit proximate in time to a date when the individual consumer booked a credit product; utilize the financial-transaction data to identify the individual consumers who were associated with a credit account that incurred an account discrepancy assessment proximate in time to a date when the individual consumer booked a credit product; and utilize the financial-transaction data to identify the individual consumers who were overdue on debit repayment proximate in time to a date when the individual consumer booked a credit product.