Patent ID: 7263503

Claim:
A method of performing financial processing in a computer, comprising: (a) accessing account, event and organization attributes from a database accessible by the computer, wherein: (1) the account attributes comprise data about accounts being measured, (2) the event attributes comprise data about account-related transactions, and (3) the organization attributes comprise data about the organization's financial status; (b) performing one or more profitability calculations in the computer using the account, event and organization attributes accessed from the database, as well as one or more profit factors and one or more rules, wherein the profitability calculations include: Profit = Net Interest Revenue (NIR) + Other Revenue (OR) − Direct Expense (DE) − Indirect Expense (IE) − Risk Provision (RP) (c) wherein the Net Interest Revenue (NIR) is calculated as: NIR = Intetest Revenue − Cost of Funds + Value of Funds − Interest Expense + Earnings on Allocated Equity (EOAE); (d) wherein the Earnings on Allocated Equity includes an identification of how much equity to allocate to the accounts, and one or more rates used in the calculation of the NIR due to the allocation.