Patent ID: 7418417

Claim:
A software program encoded on a computer readable medium for populating an index of credits, each of which credits is issued by an issuer, comprising: means for determining a liquidity score for each credit being considered for inclusion in the index, wherein said liquidity score for each of the credits is determined at least in part by: (a) determining a raw score for each of the credits, wherein each raw score is a function of the age and size of a respective credit; (b) determining a model issuer premium for each issuer of at least one of the credits; (c) determining an applied issuer premium for each of the credits, wherein each applied issuer premium is based at least in part on the model issuer premium of the issuer of a respective credit; and (d) combining, for each of the credits, at least a respective raw score and a respective applied issuer premium to determine the liquidity score; and means for including, in the index of credits, at least one of the credits being considered for inclusion in the index of credits based at least in part upon the liquidity score of the credit.