Patent ID: 8447689

Claim:
A computer-assisted method comprising: receiving transactional data corresponding to transactions occurring at an institution by a user; storing, in computer memory by the processor, the transactional data; calculating, using a computer processor, a cash flow statement based on the transactional data; calculating, using the computer processor, a net worth statement using the transactional data, including calculating an amount of assets held by the user at a different institution; calculating, using the computer processor, a transactional index; analyzing, using the processor, the transactional data to determine if the user's account is a primary transactional account; weighting, using the processor, the calculated cash flow statement and the net worth statement based on whether the user's account is a primary transactional account; and calculating, using the processor, a share of wallet for the customer indicating a percentage of a user's financial requirement filled by the institution; weighting, using the processor, the share of wallet along with the generated cash flow and net worth statement; and determining, using the processor, credit worthiness based on the weighted share of wallet, cash flow, net worth statement, and transactional index.