Patent ID: 8583550

Claim:
A system for monitoring of one or more accounts of a financial institution, the system comprising: a computer apparatus including a processor and a memory; and a financial ratio software module stored in the memory, comprising executable instructions that when executed by the processor cause the processor to: receive account data associated with the one or more accounts; store the account data in a storage device; execute triggers to monitor financial account ratios, wherein executing triggers comprises imposing account costs in response to determining a particular financial account ratio; trigger a notification to a user of the account costs when the account costs are imposed, the notification comprising an offer to a computing device associated with the user associated with forgiving the account costs; segregate the account data into a plurality of time periods; calculate the number of instances in which account costs were imposed during each time period in response to executing the triggers; determine whether the number of instances in which account costs were imposed during each time period in response to executing the triggers is within a lower control limit and an upper control limit; and based on determining that the number of instances in which account costs were imposed during a particular time period in response to executing the triggers is below the lower control limit or exceeds the upper control limit, transmit an outlier notification to a predefined analyst.