Patent ID: 8645264

Claim:
One or more non-transitory computer-readable media storing computer-executable instructions which, when executed by a processor on a computer system, perform a method for generating a lending risk report, the method using an electronic information processing platform, the method comprising: using the computer-readable media to receive instructions to query a database for transactional information from a customer's bank account; using the processor to generate a lending risk report based at least in part on the transactional information; using the processor to electronically transmit the lending risk report to an output device receiver; and optionally initiating an underwriting process that is based on the lending risk report generated, wherein the lending risk report includes at least: a first number corresponding to a quantity of credit funds withdrawn from the customer's bank account during a predetermined time period; and a second number corresponding to a statistically probable quantity of gross funds earned by the customer during the predetermined time period, the statistically probable quantity of gross funds being calculated by the equation: (Σ n i=1 D[i])*(F) wherein: D[i]: corresponds to a value of income-related funds deposited in the customer's bank account during the predetermined time period; n: corresponds to a number of income-related fund deposits executed during the predetermined time period; and F: corresponds to a factor that modifies the total value of the income-related fund deposits to correspond to a statistically probable quantity of gross funds earned by the customer during the predetermined time period.