Patent ID: 8429068

Claim:
A system to manage risk for a transaction underwriter, comprising: a hardware processor; a plurality of financial management applications (FMAs) executing on the hardware processor and adapted to configure an accounting service account, a payroll service account, an inventory management account, a personal financial management account, and a tax preparation account to provide accounting service, payroll service, inventory management service, personal finance service, and tax preparation service, respectively, to an entity; an aggregated score calculator coupled to the plurality of FMAs, executing on the hardware processor, and adapted to: access the accounting service account, the payroll service account, the inventory management account, the personal financial management account and the tax preparation account to obtain accounting data, payroll data, inventory management data, personal finance data, and tax filing data, respectively, of the entity, and calculate a score based on the accounting data, the payroll data, the inventory management data, the personal finance data, and the tax filing data using a pre-determined formula, wherein the score represents an ability of the entity to fulfill a business obligation; a transaction underwriting application coupled to the aggregated score calculator, executing on the hardware processor, and adapted to: receive a request for a transaction from a transaction requestor, wherein the entity is a third party to the transaction, and wherein fulfilling a financial obligation of the transaction by the transaction requestor is dependent on fulfilling the business obligation by the entity, evaluate, in response to the request, the score based on a pre-determined criterion, and send an executed transaction underwriting agreement to the transaction requestor in response to the score satisfying the pre-determined criterion; and a repository configured to store the accounting data, the payroll data, the inventory management data, the personal finance data, the tax filing data and the score.