Patent ID: 8762243

Claim:
A computer-implemented method for providing certified financial data indicating financial risk about an individual, comprising: (a) receiving a request for the certified financial data; (b) electronically collecting financial account data about the individual from at least one financial source, (c) transforming the financial account data into a desired format; (d) validating the financial account data by applying an algorithm engine to the financial account data to identify exceptions, wherein the exceptions indicate incorrect data or financial risk; (e) confirming the exceptions by collecting additional data and applying the algorithm engine to the additional data, (f) marking the exceptions as valid exceptions when output of the algorithm engine validates the exceptions; and (g) generating, using a computer, a report from the financial account data and the valid exceptions, wherein the financial account data comprises at least one of real-time transaction data, real time balance data, historical transaction data, or historical balance data; and the algorithm engine identifies a pattern of financial risk; the method is computer implemented, and steps (c), (e), and (f) are executed via the computer or a series of computers.