Patent ID: 7685064

Claim:
A computer-implemented method for evaluating a financial transaction, the method comprising the steps of: utilizing a computer processor to determine a first credit exposure limit associated with a client and a first type of financial transaction; utilizing the computer processor to determine a first credit limit associated with the client and the first type of financial transaction, wherein the first credit limit does not exceed the first credit exposure limit; receiving information regarding a financial transaction involving the client and corresponding to the first type of financial transaction, wherein the information includes a desired amount associated with the financial transaction; utilizing the computer processor to determine a second credit exposure limit associated with the client and a second type of financial transaction; utilizing the computer processor to determine a second credit limit associated with the client and the second type of financial transaction, wherein the second credit limit does not exceed the second credit exposure limit; approving the financial transaction, if the desired amount is within the first credit limit; approving the financial transaction and increasing the first credit limit, if the desired amount is greater than the first credit limit but less than the first credit exposure limit; and approving the financial transaction, increasing the first credit exposure limit and the first credit limit, and decreasing at least the second credit exposure limit, if the desired amount is less than a sum of (a) the first credit exposure limit, prior to increase, and (b) a difference between the second credit exposure limit and the second credit limit.