Patent ID: 7801808

Claim:
A computer system for assessing credit exposure utilizing a products-role database, the computer system comprising: a party database comprising a plurality of party data records, each of the party data records having party data fields that contain information about one of a plurality of parties, wherein the party data fields comprise data fields for legal name and address, wherein each of the party data records further comprises a hierarchical relationship data field that enables linking to another party data record to operatively enable the creation of a parent-subsidiary relationship between the parties; a products-role database comprising a plurality of product-roles records that are associated with a set of issued securities, wherein each of the plurality of product-roles records includes a product identifier field for storing data indicating a security in the set of issued securities and a plurality of role-player data fields for identifiers to identify parties that perform at least two separate roles with respect to the indicated security in the set of issued securities, wherein the role-player data fields comprise an issuer name field for storing data indicating an issuer of the indicated security, one or more fields indicating an issuer identifier and a unique record identifier for linking to the issuer in the party database, and one or more fields indicating a guarantor identifier and a unique record identifier for linking to the guarantor in the party database; a computerized role-linking system in communication with the party database, the products-role database, and a source of security identifiers and corresponding role-player identifier data, wherein the source of the role-player identifier data is susceptible to using different identifiers for the same party, and wherein the role-linking system is programmed to: receive a security identifier from an inventory file, wherein the security identifier identifies an issued security held by a first party; determine a role-player identifier data associated with the security identifier, wherein the role-player identifier data indicates a party that performs, with respect to the issued security, the role of one of issuer and guarantor; when the role-player identifier data, regarding the party that performs the role of one of issuer and guarantor, is determined, querying the products-role database to determine whether the party is linked to a party data record in the party database; and when the party is not linked to a party data record in the party database, matching the role-player identifier data to a party data record in the party database and updating the products-role database to create a linkage; and a computer device in communication with the products-role database, wherein the computer device is programmed to determine an aggregate credit exposure of the first party to a second party, wherein the determination is based on data in the products-role database.