Patent ID: 8121939

Claim:
A non-transitory computer readable medium containing a program which, when executed by a processor, performs a method comprising: aggregating at least one of account receivable data and payment data of a debtor (i) from each of a plurality of creditors (j); using the aggregated debtor data and debtor data from the plurality of the creditors (j), determining a probability of a credit or collection event (P(CCE ij )) of the debtor (i) with respect to at least one creditor of the plurality of the creditors (j), wherein the P(CCE ij ) is determined as a function of (AR ij , BCDI i1 , BCDI i2 , . . . BCDI iJ ); where (AR ij ) comprises accounts receivable data for debtor (i) with creditors (j); and (BCDI ij ) comprises Business Credit Data Interchange data elements for debtor (i) across j creditors in the BCDI; storing, in a memory, values corresponding to the determined (P(CCE ij )).