Patent ID: 8095460

Claim:
A non-transitory computer-readable medium having computer-executable instructions that when executed by a processor configure a system to perform: categorizing each of a plurality of resource transactions conducted during a first time period for a first user into a category selected from a plurality of categories, the plurality of categories comprising at least: investment, non-investment expenditure, and income; further sub-categorizing non-investment expenditure transactions into a sub-category selected from a plurality of sub-categories, wherein at least one sub-category includes debt transactions; determining at least one ratio of the categorized and sub-categorized resource transactions selected from the group consisting of: debt-to-income, investment-to-income, expenditure-to-income, and combinations thereof; and comparing at least one ratio of the resource transactions of the first user with at least one threshold value of the at least one ratio to determine whether to provide a resource to the first user, wherein the calculation of the threshold comprises: for each of a plurality of individuals, calculating the at least one ratio of the categorized resource transactions that was calculated for the resource transactions of the first user, wherein the ratio is calculated from categorized resource transactions conducted over a second time period using at least the same categories as the resource transactions of the first user; and determining the threshold for the at least one ratio such that at least a portion of the plurality of individuals have a calculated ratio below the threshold.