Patent Document ID: 20080040260
Application ID: 11877061
Patent Flag: 0

Claim One:
1. A computer-implemented method for processing financial promissory transactions, the method comprising: determining a profitability assessment score, wherein determining the profitability assessment score comprises at least using a formula comprising Profitability Score=(Amt×R)−P R (Amt−P c (Amt+(P Svc ×SvcFee)+(P other ×Other))+C Ex ), wherein Amt=transaction amount, R=effective rate charged to the merchant, P R =probability of return, P Svc =probability to collect a service fee if transaction amount is collected, SvcFee=service fee, P other =probability to collect other fees if transaction amount is collected, Other=other fees, C Ex =collection expenses; and authorizing the financial promissory transaction based at least in part on the profitability assessment score.